Reasons someone would hire Sea Oats Appraisal

Thousands of people in Florida purchase, sell or refinance their home each month. A lot of these transactions have a simple line item for an appraisal. Almost all lenders still want a local expert because the stakes are very high, even though there are a budding number of automated home valuation systems that might appear cheaper than an appraisal. But is securing a mortgage the only reason you should get an appraisal? Are there other times when the services of a certified, independent real estate professional could be beneficial? Of course.


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Appeal your tax assessment in Brevard County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from Sea Oats Appraisal is your best evidence. We're equipped to assist you in disputing your tax assessment.

Sea Oats Appraisal can help you do away with PMI to lower your mortgage payment

When the amount being loaned to the homeowner is more than 80% of the actual value of the real estate, most lenders ask home buyers to take out an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

Sea Oats Appraisal can give you a statement regarding the value of your home, and the price you paid for the appraisal can often be recovered in just a few months because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be a very daunting ordeal for both parties, and it is often more complicated by the hard decision of who maintains the home. It's a good idea to get an appraisal from Sea Oats Appraisal so both parties are fully aware of the true market value of their home, regardless of the situation.

If the parties need to sell the home, they'll have a better idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Settling an estate with peace of mind

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the utmost degree of discretion.

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these issues. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Let Sea Oats Appraisal help you with relocating to or from Brevard County

Employee relocation can be a more than just an inconvenience, and we understand. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. During our intensive process, we suggest relocating employees to provide input on the positive features of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.

Don't sell out short or let your home stay on the market too long.

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to finish the appraisal.

We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long houses stay on the market. So, seeking a professional appraisal is a trusted way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market too long, costing you time and money.